Different regions, different policies and loan prices are different. Here we take the specific sales situation of Honda Accord in Jinan, Shandong Province as an example to analyze the difference between full payment and loan, hoping to provide help and reference to friends in need. Many 4S local shops offer 70,000 yuan interest-free loans. If there is an interest-free loan policy, the cost will be much cheaper than an interest-bearing loan. If there is no interest-free loan policy, the interest rate is relatively high, plus various fees, the difference between the loan amount and the full amount will be relatively high.
In order to encourage consumers to borrow money to buy a car, many 4S stores will make a certain difference between the full amount and the preferential price of the car, and loans can think of greater concessions to attract consumers to choose loans. For example, if we buy a Honda Accord in Jinan, Shandong Province, the preferential price of the full amount is about 1.3 million yuan, but the preferential price of the loan can be as high as 1.5 million yuan, which is 2,000 yuan more than the full amount.
The official guide price of Honda Accord 260 Elite Edition is 189900, and the bare car price after full discount is 176900. The purchase tax 1.56 million or so, and the insurance is about 6200. You can get 200 yuan by yourself. The total landing price is close to 1.99 million, and it is around 200,000 in some areas, and the prices in different areas are slightly different.
If it is a loan to buy a car, the preferential strength can reach 1.5 million, and the price of bare car is about1.749 million. The purchase tax is the same as the full amount, and the insurance cost is slightly more expensive than the full amount, because the loan to buy a car generally forces the purchase of insurance such as theft insurance, water insurance and scratch insurance, and the insurance cost is about 8,000 yuan. The loan cost is about 3,000 yuan, and the mortgage licensing cost is about 2,800 yuan. Therefore, on the premise of interest-free loans, the total down payment of the loan of 70,000 yuan is134,306 yuan, and the monthly payment is 29 17 yuan, which will be paid off in two years. The total landing price is 204,306 yuan, and the difference between the full payment and the loan to buy a car is 54 15 yuan.
Of course, this is only a comparison of loan prices in the first year, and you can buy a whole car in the second year. Buying a car with a loan generally requires second-year insurance or buying it in a store. The price is generally a little more expensive than that bought outside, and there are mandatory requirements for insurance coverage. Finally, the loan purchase is nearly 7000 yuan more expensive than the full purchase. As I said before, this is on the premise of interest-free loans. If there is no interest-free loan policy or the loan amount is relatively large, you need to pay an additional loan interest of 2,000 to 4,000 yuan. Calculated, buying a car with a loan will be nearly 1000 yuan more expensive than buying a car in full.
To sum up, buying a car with a loan can really alleviate the temporary pressure of selling a car, which makes it possible for us to buy a higher-level car. However, you always have to pay back the money you owe, and you have to add interest. Buying a car with a loan is easy to cause impulsive consumption. Therefore, you must choose wisely when buying a car with a loan, and don't turn a vehicle into your financial burden in the next few years.
The above content is pony's personal opinion. I hope I can help you. You are also welcome to comment in the comments section below, and tell me how much the loan is more expensive than the full amount when you buy a car for about 200 thousand.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.